Inside the research
City Holding Company
CHCO Research profile · latest available data
Price overview
$141.97
▲ +1.88 (+1.3%)
| 52w hi | $147.98 |
|---|---|
| 52w lo | $114.67 |
| Vol | 181.80K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.54
| Short | +0.76 |
|---|---|
| Medium | +0.49 |
| Long | +0.21 |
computed 2026-09-27
Key fundamentals
City Holding Company
Financial Services · Banks - Regional
| Market cap | $1.99B |
|---|---|
| Enterprise value | $2.25B |
| Trailing P/E | 15.55x |
| Forward P/E | 14.73x |
| P / S (ttm) | 6.22x |
| Profit margin | 41.1% |
| Return on equity | 16.8% |
| Revenue growth | +0.9% |
| Earnings growth | +2.8% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.24 | |
| Sector | +0.02 | |
| Technical | +0.31 | |
| Earnings | +0.00 | |
| Sentiment | +0.38 |
macro × 1.00 · 2026-09-27
Business overview
City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, it offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, the company provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.
Risk Metrics
| Beta vs SPX | 0.49 |
|---|---|
| Corr SPX | 0.35 |
| Annual vol | 22.2% |
| Annual ret | +11.2% |
| Sharpe | 0.51 |
| Max DD | -18.9% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-22 | Earnings Release, Exhibits | read |
| 2026-05-28 | Other Material Event | read |
| 2026-05-28 | Officer / Director Change | read |
| 2026-04-29 | Officer / Director Change, Shareholder Vote… | read |
| 2026-04-29 | Officer / Director Change, Exhibits | read |
| 2026-04-23 | Earnings Release, Exhibits | read |
| 2026-03-26 | Other Material Event, Exhibits | read |
| 2026-02-04 | Other Material Event, Exhibits | read |
| 2026-01-21 | Earnings Release, Exhibits | read |
| 2025-12-03 | Other Material Event | read |
| 2025-10-22 | Officer / Director Change | read |
| 2025-10-22 | Earnings Release, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-07-30 | HAGEBOECK CHARLES R | President & CEO | Sell | 4.49K | $650.13K |
| 2026-07-21 | STRONG-TREISTER DIANE W | Buy | 110 | $14.80K | |
| 2026-07-21 | Reyes Javier A | Buy | 83 | $11.17K | |
| 2026-07-21 | Hoyer James A | Buy | 95 | $12.78K | |
| 2026-07-21 | FISHER ROBERT D | Buy | 156 | $20.99K | |
| 2026-07-21 | Jones J. Thomas | Gift | 730 | — | |
| 2026-05-29 | HAGEBOECK CHARLES R | President & CEO | Sell | 1.86K | $231.14K |
| 2026-05-26 | LEGGE JEFFREY DALE | EVP, CAO & CIO | Sell | 1.31K | $163.62K |
| 2026-05-22 | BUMGARNER DAVID L | EVP & Chief Financial Off | Sell | 1.16K | $144.54K |
| 2026-05-20 | BUMGARNER DAVID L | EVP & Chief Financial Off | Sell | 805 | $100.22K |
Flow & Concentration
| Insider 180d net | -$1.23M |
|---|---|
| Insider buys / sells | 4 / 5 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
SEC Filings
The Long Run
FY 2011–2025 · 14 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Net income | $130.49M | +9.4% | |
| Cash from ops | $131.37M | +6.8% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $140.51 | $142.17 | $139.99 | $141.97 | 181.80K |
| Sep 24 | $139.65 | $140.64 | $138.77 | $140.09 | 114.80K |
| Sep 23 | $139.73 | $141.20 | $138.48 | $139.25 | 139.00K |
| Sep 22 | $141.40 | $142.48 | $139.52 | $139.59 | 109.90K |
| Sep 21 | $143.50 | $144.12 | $140.14 | $140.24 | 180.70K |
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